Interface 2003

Credit Scoring Using Bureau and Other Data
Garry K. Ottosen, (Chief Credit Officer, Millcreek Bank),


Credit Scoring is an intergral part of all modern-day consumer lending. Scores are build in the areas of origination, line management, collections, forecasting, and recovery. Data used in building these scores come from the credit bureaus, individual applications, and in-house master files. This presentation will focus on the types of data that are available to build scores, their usefulness, and some of the pitfalls in their use.

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